Tell us about those who will be covered under this insurance.

Your household number cannot be lower than the number of people covered

You must specify your household income

You must select a county

1 - Who will be covered?

Person

Age when coverage begins:

Relationship

In general, would you say the health of this person is: (optional)

Expected Medical Procedures: (optional)

Member of Federally Recognized Tribe?

Pregnant woman?

Delete

Person {{person.id}}

Age when coverage starts

Relationship

Health Status

Expected Medical Procedures

Member of Federally Recognized Tribe

Pregnant woman?

You must fill the Age field for all persons.

Only ages 0 to 64 are eligible.

This list is limited to 11 participants.

2 - Would you like to find out if you can get help paying for coverage?

If you earn less than ${{calculateIncomeForReduction()}}, you are likely to qualify for a lower monthly price.

Yes No

Important: Since you said "NO" to the question "Would you like to find out if you can get help paying for coverage?" what you see when you click continue might make plans look much more expensive than they will be if you enroll on Vermont Health Connect, and you will not learn about eligibility for free or low-cost coverage through Medicaid or Dr. Dynasaur.

Change your answer to "YES" if you want to find out about financial help.

New in 2019: Once you click "continue," you may see "reflective silver" plans. These lower-cost silver plans are only available if you call Blue Cross and Blue Shield of Vermont or MVP Health Care directly. If you enroll directly with the insurance carrier, you can't get premium tax credits.

2.1 - How many people are in your household?

You must specify the household number.

(Include spouse plus all dependents shown on your tax return, even people who won't apply for coverage.)

2.2 - Is employer coverage available to everyone in your household?

(If employer coverage is offered to only some members of your household, answer "No", but you may be eligible for lower subsidies than estimated here.)

Financial help for buying health insurance on Vermont Health Connect

Based on your reported information, we estimate that you may qualify for:

Premium Subsidy (APTC)Premium Subsidy(APTC+VPA)

{{subsidyAmount}} per month

Enhanced Silver withCost-Sharing Reductions

Silver 73* Silver 87 Silver 94 Silver 77*

for coverage for the following person(s) you listed:

{{person}}

We estimate that your household will not qualify for subsidies.

We estimate that your household will not qualify for subsidies.

Due to 2019 changes, you may find that gold or bronze plans offer better value than silver plans. In 2019, the monthly premiums for gold plans will be close to the premiums for silver plans, but gold plans have lower out-of-pocket costs when you go to the doctor.

*Our estimate shows that you may qualify for a cost-sharing reduction, Silver 73. However, due to 2019 changes, you may find that a gold or bronze plan offers better value. In 2019, the monthly premiums for gold plans will be close to the premiums for silver plans, but gold plans typically have lower out-of-pocket costs when you go to the doctor.

Our estimate shows that you may qualify for a cost-sharing reduction, Silver 87, which lowers the amount you pay for out-of-pocket costs like deductibles, coinsurance, and copays. If low out-of-pocket costs are important to you, you'll find that Silver 87 plans have a similar out-of-pocket to platinum plans, and a much lower monthly premium too.

Our estimate shows that you may qualify for a cost-sharing reduction, Silver 94, which lowers the amount you pay for out-of-pocket costs like deductibles, coinsurance, and copays. If low out-of-pocket costs are important to you, you'll find that Silver 94 plans have a lower out-of-pocket than any other metal level (even platinum), and a much lower premium than platinum plans.

*Our estimate shows that you may qualify for a cost-sharing reduction, Silver 77. However, due to 2019 changes, you may find that a gold or bronze plan offers better value. In 2019, the monthly premiums for gold plans will be close to the premiums for silver plans, but gold plans typically have lower out-of-pocket costs when you go to the doctor.

Members of Federally Recognized American Indian or Alaska Native Tribes may be eligible for special benefits and protections through Vermont Health Connect. Our estimate shows that you may be eligible for 100% cost-sharing benefits, which means you would not be required to pay deductibles, copayments, or other out-of-pocket costs. We've already factored this into the details you'll see about the plans. To understand the full benefits that may be available to you, please call the Vermont Health Connect Contact Center for assistance at 1-855-899-9600.

Members of Federally Recognized American Indian or Alaska Native Tribes may be eligible for special benefits and protections through Vermont Health Connect. Our estimate shows that you may be eligible for a cost sharing reduction, where there is no cost-sharing for services provided by Indian health care providers (I/T/U). This tool cannot make these calculations. To understand the full benefits that may be available to you, please call the Vermont Health Connect Contact Center for assistance at 1-855-899-9600.

Important —Effects of employer coverage: We assumed your household would not be eligible for a premium subsidy because you said employer coverage is available to everyone in your household. If your employer coverage is very expensive or does not include some government-required benefits, however, then you might still qualify for financial help. Learn more from our Affordability Estimator.

We estimate that your household qualifies for Medicaid and/or Dr. Dynasaur. If this is the case, you will not be eligible for subsidies to lower the cost of qualified health plans.

Coverage through:

Medicaid: The following person(s) you listed may be eligible for free coverage through Medicaid and/or Dr. Dynasaur:

{{person}}

Dr. Dynasaur: The following person(s) you listed may be eligible for free or low-cost coverage through Dr. Dynasaur:

{{person}}

This is our estimate. The information on this site does not include all program rules. To find out if you qualify, you must apply. Visit the Vermont Health Connect website for more information about Medicaid or Dr. Dynasaur.

This is our estimate. To get official answers, you can submit an application through Vermont Health Connect.

When you compare plans, we will use our estimate for your subsidy and we will assume that family members who qualify for Medicaid or Dr. Dynasaur will sign up for those programs and not the plans we will be comparing.

This is our estimate. To get an official subsidy determination, you can submit an application through Vermont Health Connect.

When you compare plans, we will use our estimate for your subsidy.

Important: Your estimated income is within a few thousand dollars of the threshold to qualify for subsidies. If your actual 2019 income turns out to be higher, you could have to repay these subsidies. If you aren't sure of your income, please talk to a tax professional.

Important: Your estimated income is within a few thousand dollars of the threshold to qualify for subsidies. If your actual 2019 income turns out to be lower, you could qualify for a substantial tax refund. Contact a tax professional to learn about your options.

New in 2019: Once you click "continue," you may see "reflective silver" plans. These lower-cost silver plans are only available if you call Blue Cross and Blue Shield of Vermont or MVP Health Care directly. If you enroll directly with the insurance carrier, you can't get premium tax credits.